Inside This Issue
		NATIONAL COVERAGE
	
Impact of Driving Record on Auto Insurance Cost Varies Widely by State
	
2015 Outlook for P/C: Profitable Despite Lower Rates, Says Wells Fargo
	
2014 Workers' Compensation Rates Ranked by State
	
Google to Face Same Obstacles Selling Insurance Online, Says Overstock's Byrne
	
Closer Look: D&O and Business Partnerships
	
Closer Look: Capacity Plentiful, Pricing Remains Soft in D&O Marketplace
	
Spotlight: 10 Things to Know About Homeowners
	
Special Report: The Road Ahead for Nonstandard Auto
	
2015 Hospitality Risks Directory
MIDWEST COVERAGE
	
Michigan Pot Grower Who Didn't Tell Insurer Must Reimburse Claim Payment
	
Report Shows More Errors, Fewer Deaths in Minnesota Hospitals
	
North Dakota Oil Patch Highway Is State's Most Dangerous
	
Berkley: Google's Entry Into Auto Insurance Should Frighten Agents
IDEA EXCHANGE
	
Best of the Best: Employee Productivity
	
Tech Talk: The Best Apps and Why for Independent Agents
	
The Competitive Advantage: Chris Burand
	
4 Reasons Direct Mail Should Be Part of Your Plan to Acquire New Customers
	
Closing Quote: Tapping Into the Talent Pipeline
DEPARTMENTS
	
People
	
Declarations
	
Figures
	
Business Moves
	
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